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So I got the check for my wrecked car and they cancelled it. . .

episodic

episodic

Lifer
Got the check for my wrecked car that happened way back in 4/28. . .

It was after 5, so I put it on the mantle, with the intent of cashing it tommorow.

Got a call at 8:30 from the guys adjuster saying "Don't cash it, we cancelled it. . . "

The reason they say is that they didn't receive the title. I have a certified mailing proof that I sent it the end of May after having reached an agreement. I sent the title, power of attorney, and other paperwork they wanted to the adjuster's attention certified mail.

They now claim the title isn't there, and they won't budge.

Unfortuantly, in my state, there is no "quick" way to get a replacement title, it takes 3-5 weeks.

Not sure there is anything I can do, just venting. . . I mean I sent it certified - how do you send something where you can prove what was in the envelope???!

Sheesh - and I was about to buy a nice Camry I found tommorow, too - I'll have to call the guy and tell him it is a no-go. . .

Sigh
 
Originally posted by: aircooled
Show up with certified mail receipt in hand. Maybe find out who signed for it?
Click to expand...

Unfortuantly, they are far off in another state. . . (the other guy's insurance). . .

Tried that, they said "We scan it all in when it comes. . . .". . .

Sigh. . . .
 
Originally posted by: Legendary
Sucks. I would think having sent it certified would provide you with some protection but IANAL
Click to expand...

Sounds like they're not disputing that they received it (what sending it certified would prove), rather, what was included.
 
Originally posted by: episodic
Originally posted by: aircooled
Show up with certified mail receipt in hand. Maybe find out who signed for it?
Click to expand...

Unfortuantly, they are far off in another state. . . (the other guy's insurance). . .

Tried that, they said "We scan it all in when it comes. . . .". . .

Sigh. . . .
Click to expand...

It's not your fault that they don't have it. You mailed it certified mail. Your responsibility is done. Challenge them. KEEP pushing the issue. Don't hang up the phone. Ask for a supervisor who has the authority to make a decision on the matter so you're not wasting your time with some entry level chump who's just going to spit back company policy at you.

Why would they have taken the time to cut a check and mail it in the first place if they didn't have the title? My guess is that someone lost it, now they can't find it, and they're trying to cover their ass. What responsible insurance agency is going to cut a check before they have all the facts? None. So either they 1) had "all the facts" e.g. your title, and lost it and are therefore irresponsible or they 2) never had it to begin with and are irresponsible for cutting a check without all required documentation.

Use this conversation piece as a tool to leverage the situation in your favor.
 
Originally posted by: episodic
Originally posted by: nakedfrog
At least you hadn't cashed it yet.
Click to expand...

I wish I had of. . .


It'd be there problem then.
Click to expand...

Nope, because then the bank would remove that amount of money from your account AND charge you a fee for a bounced check AND charge you for overdraft protection.
 
Originally posted by: DrPizza
Originally posted by: episodic
Originally posted by: nakedfrog
At least you hadn't cashed it yet.
Click to expand...

I wish I had of. . .


It'd be there problem then.
Click to expand...

Nope, because then the bank would remove that amount of money from your account AND charge you a fee for a bounced check AND charge you for overdraft protection.
Click to expand...
Exactly.
 
I would have cashed it at their bank . . . I never deposit anything in my bank account directly that I don't trust.
 
Tell THEM to contact your DMV for the title.

All YOU should have to do is sign off on the appropriate forms.

Insurance companies can check DMV status on the vehicle to be sure there's no lienholder pretty quickly.
 
OP, the post office can look it up and not only tell you who signed for the certified mail, but should also be able to provide you with a print-out of the receipt that was signed. Fax that to the insurance company, and tell them it's their responsibility to find it, you did your part......unless, of course, they'd like to speak with your lawyer??

Amazing how quickly the insurance companies will back down (sometimes) when they realize it's cheaper to just pay you, than to have to go to court, pay you, plus damages and court costs.
 
Originally posted by: marvdmartian
OP, the post office can look it up and not only tell you who signed for the certified mail, but should also be able to provide you with a print-out of the receipt that was signed. Fax that to the insurance company, and tell them it's their responsibility to find it, you did your part......unless, of course, they'd like to speak with your lawyer??

Amazing how quickly the insurance companies will back down (sometimes) when they realize it's cheaper to just pay you, than to have to go to court, pay you, plus damages and court costs.
Click to expand...

the paperwork was sent and received.

They can not longer find all the documents.

As others stated, unless they cut the check early (doubtful); they have misplaced the title.
their internal checks/balances will not allow final processing without ALL required documents.
 
Originally posted by: Nik
Originally posted by: episodic
Originally posted by: aircooled
Show up with certified mail receipt in hand. Maybe find out who signed for it?
Click to expand...

Unfortuantly, they are far off in another state. . . (the other guy's insurance). . .

Tried that, they said "We scan it all in when it comes. . . .". . .

Sigh. . . .
Click to expand...

It's not your fault that they don't have it. You mailed it certified mail. Your responsibility is done. Challenge them. KEEP pushing the issue. Don't hang up the phone. Ask for a supervisor who has the authority to make a decision on the matter so you're not wasting your time with some entry level chump who's just going to spit back company policy at you.

Why would they have taken the time to cut a check and mail it in the first place if they didn't have the title? My guess is that someone lost it, now they can't find it, and they're trying to cover their ass. What responsible insurance agency is going to cut a check before they have all the facts? None. So either they 1) had "all the facts" e.g. your title, and lost it and are therefore irresponsible or they 2) never had it to begin with and are irresponsible for cutting a check without all required documentation.

Use this conversation piece as a tool to leverage the situation in your favor.
Click to expand...

This.
 
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